after you pay off most of your balances you should see a gigantic score bump. in which id app for a cu credit card with a super high limit and bt for a 0% for x months for whatever you can. since you prob wont be coming into another 18k anytime soon.

Re: What Credit Cards should I pay off?

Personally, I would probably pay all of them down below about 70% so they're not so close to max limits. Then I would put the rest towards paying down the highest interest cards. If you've got to leave money sitting on there, it might as well be getting the lowest interest rate possible.

On the other hand, you might want to skip the first step and just put the whole lump sum into paying down the highest interest balances. I think the cards that have a really high percentage of utilization are an extra red flag on your credit score - but that may not be a huge concern if you're not applying for anything soon. So avoiding the extra interest might be a higher priority.

Re: What Credit Cards should I pay off?

Pay off the one with highest APR's first, that's a lot of interest to pay every month man. Or pay the smaller cards and apply the rest so at least some cards won't kill your Utilization. You've got a lot to pay off my friend...and stop abusing the plastic like Nick says, It'd take me like 3 years to pay off all that debt if it were me...

That's crazy god........Please stay in shape and stop abuse those plastic. They worth for their purpose ( save money and rewards)

I hope your finance getting better in a near future.

Yes, so if you pay off the top 4 APR cards (well, most of the fourth) you are saving about $210 in interest, which you should use as an additional payment on the next highest APR card.

Of course, this only works if you don't add new balances to the paid-off cards. If this is impossible, and the pattern looks bad (a series of nearly maxed out cards) then go to a real credit advice service and see what they can suggest

LOL but that'sjust me. because Amex HATES people carrying large balances, and Amex and Chase being the top two credit card companies in my opinion I wouldn't want to burn either one of them or make them lose faith =)

I could careless about Capital One or Bank of America personally since I don't think they offer anything that's of any value compared to the rest of them.

But generally the plan with the highest interest rates first would probably work best, I'm just a bit weird =)

So if you take that into consideration I would pay off

1. Capital One

2. Amex

3. Chase

4. Discover

5. Citi

6. Bank of America

It's not exactly highest APR to lowest, but considering the APR and how I rate the banks personally since Amex and Chase holds most of the best reward cards and sign up bonuses this would benefit you a lot in the future, so it's nice to keep a good history with them. The APR's shouldn't be so different to cause too much of a extra troubles.

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